Are you interested in getting insurance for your non-emergency medical transportation business in Arizona, New Mexico, or California? If so, you will want to get some quotes to see how much coverage you can get as well as what the cost will be. Non-Emergency Medical Transportation Insurance Quotes are based on the specific types of liabilities that are covered. It is smart to look around and get several prices quotes before deciding on the one that is best for your business. Consider a few of the typical liabilities that a NEMT insurance policy covers.
This part of the policy covers your business if your non-emergency vehicle is in an accident. It also covers the passengers you are carrying. If your vehicle has special features such as a ramp or a lift for wheelchairs, these will figure into your non-emergency medical transportation insurance quotes. You want to give your insurance company a thorough description of the vehicles you use during your business operations.
Another typical item on this type of policy is general liability. This covers a whole host of incidents and protects your business. For instance, say you are helping a passenger cross a frozen sidewalk to get to your vehicle and the person slips and falls. This would be covered by general liability. Or say a passenger is injured while getting in or out of a wheelchair. This is another instance where general liability coverage on your policy would prove valuable to your business. Ask your insurance agent to explain some other typical scenarios covered by general liability.
Property liability coverage would cover systems related to your non-emergency transportation such as GPS equipment, computers and communication/dispatch devices connecting home base to your vehicles. Of course, it would also cover the building where your business is located and its furnishings.
Other typical items on this type of policy:
- Worker’s compensation
- Excess liability
- Auto physical damage
Lastly, the most important thing to keep in mind when looking at Non-Emergency Medical Transportation Insurance Quotes is to make sure you have all the coverage you need on the policy. It helps to talk with an experienced insurance agent to discuss the specific needs of your NEMT business. If an accident occurs or someone is injured, you want to make sure your business is protected.